WFG TITLE COMPANY/CA-SAN DIEGO, WFG TITLE CO OF CA SAN DIEGO
Transaction
Tax
$0.00
Amount Accuracy
Transfer Tax Exempt
Additional
Intrafamily Transfer
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Community Property with Right of Survivorship
Address
16475 VIA PENASCO, RAMONA, CA 92065-7333
Mortgage
Document Number
0000771299
Date
Nov 5, 2021
Instrument
2021-0771299
Lender
Name
UNITED WHOLESALE MORTGAGE
Type
Mortgage Company
Agreement
Type
VA Mortgage
Amount
Amount on Record
Term
361 Months
Due
Dec 1, 2051
April 2021: Deed of Trust, Mortgage
Document Type
Deed of Trust
Jurisdiction
SAN DIEGO CA
Property Address
16475 VIA PENASCO, RAMONA, CA 92065-7333
Transaction Type
Mortgage
Record Updated
Apr 23, 2021
Title Company
SERVICELINK
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
16475 VIA PENASCO, RAMONA, CA 92065-7333
Mortgage
Document Number
0000253109
Date
Apr 1, 2021
Instrument
2021-0253109
Lender
Name
QUORUM FEDERAL CU
Type
Credit Union
Address
PURCHASE, NY 10577
Agreement
Type
Line of Credit
Amount
Amount on Record
Term
360 Months
Due
Apr 1, 2051
Interest
Rate Type
Adjustable Rate
Change Frequency
Monthly
February 2021: Grant Deed, Transfer
Document Type
Grant Deed
Jurisdiction
SAN DIEGO CA
Recording Date
Feb 10, 2021
Property Address
16475 VIA PENASCO, RAMONA, CA 92065-7333
Document Number
0000106268
Instrument Date
Jan 21, 2021
Instrument
2021-0106268
Transaction Type
Transfer
Record Updated
Aug 24, 2021
Title Company
STEWART TITLE, STEWART TITLE OF CALIFORNIA
Transaction
Amount
Amount on Record
Downpayment
Downpayment on Record
Loan-to-Value (LTV)
LTV on Record
Tax
$0.00
Amount Accuracy
Rounded by County
Additional
Notice of Default
Arm's Length
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Community Property with Right of Survivorship
Address
311 12TH ST # 2721, 2721, RAMONA, CA 92065-2721
Mortgage
Document Number
0000106269
Date
Feb 10, 2021
Instrument
2021-0106269
Lender
Name
LAKEVIEW LOAN SERVICING LLC
Type
Mortgage Company
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
361 Months
Due
Mar 1, 2051
Tax Assessment & Valuation
The 2025 property tax bill for 16475 Via Penasco was $8,709 with a homeowner's exemption.
Source: San Diego County assessment roll, as of July 28, 2026
Property Jurisdictions
Type
Name
State
California
County
San Diego County
Unified School District
Ramona City Unified School District (KG - 12)
Tax Bill & Assessment History
Year
Tax Bill
Assessed Value
2026
$821,003 (+2%)Land $496,834Building $324,169
2025
$8,709.00Homeowner's exemption
$804,906Land $487,093Building $317,813
2023
$8,167.00 (-1.69%)Homeowner's exemption
$773,653Land $468,180Building $305,473
2022
$8,307.00
Assessed value is set for property tax purposes and is not a market price estimate.
Flood
FEMA maps place 16475 Via Penasco in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2016.
Source: FEMA National Flood Hazard Layer, effective September 3, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
FEMA Flood Zone
Zone X minimal risk
Flood Insurance Requirement
Not required lenders may require it
Community Rating System
Class 6 (20% premium discount)
Nearby Flood Policies
1 in force
Nearby Flood Claims
2 (2016)
Claims Outside the SFHA
2 of 2
Most Recent Claim
Dec 2016 · rainfall accumulation
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire
Wildfire risk around 16475 Via Penasco is extreme, ranking above 99% of the US, with a 3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
Wildfire Risk
Extreme above 99% of the US · above 93% of California
Wildfire Likelihood
3% annual chance
Exposure
Direct burnable vegetation
Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Drinking Water
Source: EPA Safe Drinking Water Information System, as of September 2026
Water System
RAMONA MUNICIPAL WD serves 36,455 people · EPA ID CA3710019
Water Source
Purchased surface water from several systems
Last State Inspection
Oct 2022
Lead
2 ppb (2023–2025) action level 15 ppb
Violations Reported to EPA
Water Quality
None last 10 years
Treatment and Procedure
None last 10 years
Monitoring and Reporting
None last 3 years
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Internet Providers
Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025